Let AC Appraisal International, Ltd. handle your appraisalTo a lot of us, an appraisal is simply a line item on the settlement sheet for a mortgage or refinance. Almost all lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation systems that may appear more economical than an appraisal. But is obtaining a mortgage the only reason to acquire an appraisal? Are there also times when the services of a licensed, independent real estate professional could come in handy? Absolutely.
Let AC Appraisal International, Ltd. help you dispute your tax assessmentIf you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from AC Appraisal International, Ltd. is your best evidence. We're qualified to assist you in appealing your tax assessment.
Getting rid of your PMI will lower your mortgage paymentWhen the amount being loaned to the homeowner is more than 80% of the actual value of the property, nearly all lenders ask homebuyers to buy an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is folded into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, AC Appraisal International, Ltd. can produce a statement regarding the value of your home. The cost of the appraisal can usually be recovered in little time because you'll no longer be paying the PMI.
Settling a divorce with less stressA divorce can be a particularly daunting ordeal for both parties, and it is often more complicated by the difficult decision of who gets the house. Regardless of the circumstances, it's a good idea to order an appraisal from AC Appraisal International, Ltd. so both parties are fully aware of the true market value of their property.
The parties will have a good idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Fair and accurate estate liquidation with AC Appraisal International, Ltd. Settling an estateLosing a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.
Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these affairs. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.
Relocating due to a job change?Moving due to a job change can be a more than just an inconvenience, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough process, we encourage employees that are moving to provide remarks on the positive aspects of their property, as well as information about any new sales or listings in their area that they want considered.
Sell your home quickly at the right priceA professional appraisal can help you make a better educated decision regarding your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are based on our efforts to finish the appraisal report and not a percentage of the sales price.
We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to determine what improvements will add value and what a suitable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long homes are one the market.
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